Whether you're saving for retirement or your family's college expenses, all of our IRAs offer great rates, no minimum requirements and easy deposit options. Take a look!

Traditional IRAs:

  • Available without employer participation
  • Contributions and/or earnings are tax-deferred until retirement
  • Possible deductions based on retirement plan participation and income
  • Full accessibility to your funds: 10% early distribution penalty if younger than 59 ½ years
  • No minimum contribution in any year
  • Contribution limits are $5,500 for most people and $6,500 for those 50 and older.


  • Pre-taxed contributions mean the principal amount is never subject to taxes or penalties as long as you stay within the contribution guidelines
  • Money grows tax-deferred and become tax-free if not withdrawn for at least 5 years
  • No age limit for contributions

Coverdell Education Savings Accounts (ESAs)

  • Contributions are not tax-deductible, but may earn interest tax deferred until distributed
  • No tax owed on any withdrawal from the account if withdrawal is equal to or less than the qualified education expenses at an eligible institution for the year
  • Roll over or balance transfer available for eligible family member’s ESA or to a qualified tuition program (QTP)

Learn more or open an account today. Click here or visit one of our branch locations.

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